How My Spending Habits Have Changed | Ingrid Nilsen

My podcast episode with Chelsea Fagan of The Financial Diet
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One Step episode where I share more of my financial story, "The Money That Changed Everything"
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DISCLAIMER: This video is not sponsored.

[@alimarleau]

I’m loving the recent trend in the KZbin community to openly discuss finances and spending habits. I think this is an important shift in making money less of a taboo, and talking about how we can do better. Thanks!!

[@ByCourtenie]

I’m in the “I can afford to buy this, so I should buy this” stage. I need to shift from short term, to long term thinking. I’m slowly becoming more financially aware & it’s videos like these that REALLY help me. So thank you!!💜

[@buffycatnip]

ever since i started a very well paying job a couple months ago, my spending habits have gotten out of control and i'm slowly cutting back on purchases and putting money into my savings

[@Randilynn66]

One of my friends makes 175k a year and has no savings. He’s also late 50’s. Crazy.

[@LopsidedCircle]

remember when ingrid would buy dozens and dozens of candles lol

[@AmnaAbbas04]

@@bellaelizabeth2626 no she is just smarter about impulse purchases now. The minimal lifestyle suits her well

[@AmnaAbbas04]

@@bellaelizabeth2626 but who even cares for some stupid candles.

[@protestingwithjimmy]

Bella Elizabeth her income has gone down (from 950,000) but it’s still around 500,000 according to her so she can deff still afford candles if she wanted to

[@protestingwithjimmy]

@@bellaelizabeth2626 I mean obviously we can't know for sure but I don't see why that would be unbelievable given how big the influencer marketing industry is. It's naive to think it's not possible for them to make this amount of money

[@theresag.4188]

And makeup! And wild fox sweaters! All those gals... allison, nikki, and fleur.

[@taram9331]

I remember watching Ingrid’s hauls when I was 14/15 and being almost in awe of how glamorous it was that she could afford all these things, very strange at 23 realising she couldn’t! This is such a useful video in combatting my own financial feelings and the honestly is definitely appreciated!

[@bessieroberts2320]

Xhi

[@guillaumenadeau]

Xhi

[@MakeupByMadelynn]

I think this video is really needed in the beauty community!

[@周奕含-b6i]

😘ོ

[@kit3350]

Your videos these days are incredibly enjoyable, you can tell they are well thought out and always filled with useful information. you have become an incredible person on this platform, informative and well spoken and positive and lovely. I look forward to your videos and podcast eps every week and they never let me down

[@mexDpeace]

I find it fascinating how normal debt seems to be in the US. I am from Germany and I think the only thing most people would consider going in debt for is buying a house. Granted, I don't have to pay close to a fraction of US tuition for my college education and I know that is a big factor.

[@guillaumenadeau]

same and i'm from Canada

[@KristinaArntz]

You were the first beauty influencer I ever watched and convinced me to buy a ton of makeup over the years. It's amazing how we both have changed since then, buying less makeup, etc.

[@Keepinitreal55]

This is SO important for teenage girls and young women in general to hear, myself included. Thank you!

[@kiya12309]

When I got my first job, my mom would take my paycheck, put it in my savings account, and give me a sort of spending allowance (10-20%, something like that). It always irritated me that I was making money, but didn't really have very much to spend, but when it came time to pay for college I was so grateful that she did that. I suspect that most teenagers don't actually NEED to spend very much money, and I appreciate that she thought of my future needs, even when I would have preferred to throw my money away on unnecessary junk.

[@heyitsheatherc]

Speaking from my experience, I recently stopped the impulse buying and the feeling of needing to have everything. Now, I’m trying to get my debt back on track, I’m trying to focus more on the necessities and not the wants. It is a tough road to get back on the path of financial responsibility. I really appreciate this video! It’s comforting to know that there are people out there who struggled with what I’m struggling with now. Great video, Ingrid!

[@bringdawhl]

i find that I "emotionally shop" that way that other people may emotionally eat.. when I notice I'm starting to spend a lot of money esp. on impulse or frivolous things that I need to check in with myself and ask myself if there's something deeper that needs tending to

[@melanieovalles5254]

The Financial diet is a must watch for everyone! Thanks for being so honest😊

[@mnikmarie]

I just L O V E the direction you have taken your content, Ingrid ❤️You articulate such wonderful and important topics so thoughtfully and in such an accessible and relaxing way. Just loving you, and this channel so so much!

[@conniethehoarder]

When I was younger I used to get so excited about hauling beauty products but now I feel like I wasted all that money on makeup products that I don't end up really using a lot. I never had credit card debt but for the first 2-3 years of me working I never really saved money. Basically would spend what I had Now that I'm older (heading towards later 20s) I try to buy things that really actually bring me joy and are practical. I've also learned to let go of things a little better but definitely still a work in progress

[@haligirl2]

Connie W I am 29 and I feel the exact same way!!

[@TheFeliciwhale]

Ingrid, your courage to recognize your past mistakes, share them with your audience and still love your past self, is really inspiring! You've clearly worked a lot on yourself and it shows. Thank you for sharing this journey with the world!

[@Savli94]

Great video, I definitely enjoyed it. I havent watched as many youtubers currently as I have in the past b/c their lifestyles are a little too out there for me. I find myself wondering why these women are shopping daily. I used to watch a canadian youtuber, initially I thought she was awesome b/c she balanced her job as an attorney, owned a jewelry business, did KZbin, etc. She did it all, but then every video was about her latest purchases. I would click on the items and see blazers for 1k, or PJ sets for a few hundred and thought her shopping was ridiculous. Although I havent been consistent with Ingrid's videos, I've always liked her personality. She just seems so sweet and caring. I wish her continued success in her life.

[@kadyhogan97]

Thank you for making truly educational and compassionate videos for young people while never coming off pretentious or preachy in anyway - it’s so needed and so genuine of you.

[@crashandfriends]

I REALLY appreciate your recent transparency about your faults before your youtube career and during the start of it. I think that is pretty ballsy to talk about, as most youtubers just want to appear as if they have always had it together and always lived this fabulous life that, let's be honest, we watch because we wish we were living it. Your opening up about that part of your life really shows you are a real person and makes success like that seem more achievable for us civilians lol.

[@NinaThomas]

Wow, I relate to this so much! I used to hate making what I would consider “non-fun” purchases. I would drag my feet on buying things like medicine for colds or socks or even pads. But as I’ve gotten older I realized, I need this stuff! And life is awful without it so it’s worth stocking up on.

[@laxinitup26590]

This video was so enlightening for me. I remember watching your old videos and thinking, "This girl is so rich and can buy whatever she wants. I wish that was me." It goes to show that you just never know what other people are going through! I love how you are willing to be vulnerable with your subscribers and share your experiences so that we can all learn from each other. Thank you for being you!

[@leiselimpeleh3287]

Ingrid 10 years ago still as charming and wise as ingrid today... i already unsubscribe lotsa youtuber, but never ur channel... ur biggest fan from indonesia... love u ingrid 😍

[@jarajelly]

This is such a helpful video! I remember the haul days, lol! What a time. I’m on a financial growth journey right now. This video really helped me feel less alone and, in tune, will help me nourish myself and my life moving forward. 🥰💓 I got this!

[@SelinaLismet]

In september I started my first "real" job since getting my bachelors degree. So for the first time ever I am in a situation where I don't have to worry about not being able to pay my bills. On the other side I want to start saving for my own place. But it's really hard for me to get in to the habit of saving, especially since I never had enough money before to save. So thank you for making this video! Talking about money isn't easy for most of us, so I really appreciate your honesty.

[@noodlemaiden7619]

I was the same. My motivation for saving was my desire to leave home and have my own space. Putting money by as soon as I was paid into a different bank so I didn't even see it, so I didn't feel like I had to spend

[@nadjak3410]

@@ashleighstake2 exactly. You always "pay yourself first" meaning you always use a dedicated amount from your paycheck and put it in a savings account and/or ETF funds. Then you spend the money that is left and not the other way around (saving the money you didn't spend... Because then you probably won't save anything).

[@XWhoaXAngieX]

I've started listening to Dave Ramsey and his podcast has really got me thinking about money in a different way

[@meljon3905]

Angelina Matthews Dave is the MAN! Started listening to him 7 years ago, and paid off our debt 4 years ago :). It’s the best decision we ever made!

[@bluebananaberrypi]

“I can afford this, so I should buy it.” Ah such a succinct way to put this. I am used to being a good saver, and now that I’m making more, I feel like this is how I justify some “treat myself” purchases, just because I’m still saving more than I used to. I think part of this is that I, like you, feel guilty about buying things, which becomes a question of deserving, and the guilt isn’t just about whether you’re spending unsafely, the guilt carries over even when you do have the money to spend, and being able to afford it makes it feel less guilty and more deserving. One of the things that is helping me working on this relationship with my spending is setting a “wants” budget, and spending less than that is totally fair. Buying things shouldn’t be about guilt and deserving, it should be about buying thoughtful joy giving things that have longevity in my life. The truth is that having money isn’t always something you “deserve” or don’t deserve.

[@haleymichelle15]

I'm so happy to see a video like this! I feel like this topic of spending money is so taboo, especially in the beauty/fashion community on KZbin. I used to watch your videos (and other KZbinrs) from years ago and feel so down on myself because I didn't have the same things as the people I loved watching. I'd rush out to buy the exact same products, but be left without money for groceries. Looking back, I think I did that for the sake of feeling worthy or like I belonged somewhere, but in the end, those habits didn't improve my life, my worthiness, or my belonging in any way. Your honesty about how expensive and isolating those spending habits can be really struck a chord. Even though I don't live any aspect of my life in a spotlight like you, I've experienced those exact same feelings of guilt and shame after making purchases. It's refreshing to know these feelings and problems are far more universal than we think.

[@sumbaltasawwar]

I have been really enjoying your videos over the past year because I want to spend my time listening to 'mature-er' topics! I'm so glad I stuck around even after I got super sick of the beauty community on KZbin!

[@XOnicole13130]

I really appreciate this video because I super identify with your spending changes. I too was really quick to spend money when I was younger because it wasn’t something my family had a lot of, and I never properly learned how to spend and save. Since making the decision to go back to grad school without taking out loans, I have had to change my spending habits. I feel really guilty about not being able to spend time with friends when they want to go on trips and outings, but my priorities have changed. I have had to have difficult and honest conversations with them about why I can’t participate in those activities, but we work together to try to come up with other ways to spend time (not money) together. Thank you for keeping your content open, honest, and vulnerable. As a viewer since the really early days, it’s amazing to see the person you’ve become. I feel like I’ve grown up with you, and learned a lot from you along the way. ❤️ Nicole

[@Maritzahk1]

WOW I am so happy I watched this video today. I was getting sucked into buying something I WANT and the black friday deals were telling me BUY IT BUY IT BUY IT but I did not remember my password to the website and had to wait for an email to reset my password and as I am waiting I stumbled upon this video..... and it really brought me back to my why and *surprise* it's because it's pretty but I don't NEED it. I have been working on being debt free and it's hard when you're on that journey and you want to treat yourself with something but I remembered why I decide to become debt free and it really motivated me again. I only have a couple of more months before I am debt free SO CLOSE

[@lauren2642]

You know what, this video makes me really excited and proud of you (and myself, too). I was there with you 10 years ago when we were all fangirling about the trendiest makeup and clothes and hair products and nail polish, etc. And I have also come full circle with my spending habits and reeled them in quite a bit. It's lovely and refreshing to see that you've been so self-reflective and have grown so much. I'd like to think that we would be friends in real life. Hope you have a lovely day :)

[@ChhTravels]

A shift I have made is creating a budget and paying off my student loans aggressively.

[@Andrea-hf2jo]

Chong Her any tips I don’t know how to budget really will !!

[@rachelanita]

@@Andrea-hf2jo Hey! I just posted a video a few days ago about this... I'd also check out Dave Ramsey on google... he's great!

[@kellykarp5303]

The more financially comfortable I become, the more rationally I am able to think about my money. The spending habits you describe from your early 20s are so omnipresent whenever there's anxiety about money. It's like when you're not making enough money to live comfortably, all thoughts of planning for the future become unthinkable because they feel so out of reach and you are just trying to get by, and suddenly oops you've just spent "a lot" of money on some pleasure today to ease that anxiety. Thinking about and planning for the future is just so difficult when you are waking up with that panic every morning. Notice how all of these videos are done by people once they have been making more money for some time and are living in comfortable hindsight. And of course this kind of content is still so valuable - we need to spread this kind of advice and wisdom far and wide and so thank you for that - but all I can think about is how difficult this kind of advice can be to absorb when you are in the thick of that constant anxiety. What we really need is to help people who are struggling so that they can get to a place where they can envision a future where things like having good credit would be useful... So, I guess let's all make sure we vote whenever we can, and talk to our representatives, and all that jazz.

[@aisy9136]

I can totally relate to Ingrid's "then" stage. Growing up in a family with limited finances, and moving to New York and living on my own made me do a lot of impulse purchases that served only short term probably to fulfill what was missing in a childhood/teenage years. And this video is so inspiring for making changes! Thank you Xx

[@MariannaInari]

Thank you for sharing such private and delicate experiences... I deeply understand the morning (and anxiety) about money and I am working hard in my mind to change this relationship ❤️

[@feelthelightt]

A shift I’ve made is buying clothing more intentionally and based on what I truly need. Something I am working on is not buying based on what I think I “should” have. As you mentioned, this is difficult to unlearn based on our constant inundation with ads and social media, especially around the holidays. Thank you for sharing this! ☺️💖

[@eulreyharrison9025]

So here’s the deal ✨👩🏾‍💻✨ it’s January 2020 and I needed this like nobody’s business! I’m a longtime subbie and it’s inspiring to see your growth!! 🙋🏾‍♀️

[@shrutirajesh9240]

I’m trying to stop shopping online completely & really go to the store physically and look at the things around, actually touch them, try them on & then make a decision on whether I want that particular item in my life. I am trying to apply this to every aspect - be it clothes, makeup, skincare, electronic items, shoes and everything in between. That way I will actually only buy things I really want to & also not buy as much since it is more effort than just putting things in your shopping cart on a website and then paying with your card for the items. Really enjoyed this video. Thanks Ingrid ❤️

[@eunicecortez7165]

The more I admire you taking care of your mom being a mom myself....God bless you!

[@samcat4005]

I'm a long-time viewer of your channel and I must say, I've grown to love your videos even more in the past year. We need more people like you in this community

[@sat.shikha]

For me, my shift has everything to do with my relationship with money. For most of my life, I felt undeserving or unworthy of even having it because I held perceptions about myself that I was not smart or good enough to make it. So I often found myself without money yet still having financial obligations. So I had to shift mindset into feeling that I was deserving and worthy of money no matter what and understand that my fear around earning was not because I couldn't do, but because I didn't allow myself to be enough as I was. My sense of self didn't need to come from money, but rather how me. It was a long healing journey and I am grateful to have learned so much because of it.

[@lanagolja]

I LOVE hearing a young, intelligent woman speaking like this about finance. Thank you for sharing your own experience as well, I’m sure each of the stages of yours are relatable to others as well, making it easy for your audience to reflect on their own spending habits. Because it’s your own thought process, it makes it genuine and not preachy. Love love love this vid, as always! 💕

[@Randilynn66]

I’ve been watching the what I spend in a week from various young women, it’s crazy how much is spent on coffee, eating out, shopping and Uber.

[@feriel514]

This video was and is much needed in today's society. I love how you hilighted the fact that even tho you made changes in your life you're not perfect and it's ok to not be perfect. My goal this year have been to face my money problems and stop ignoring them, and think about my future self before making important money decisions.

[@Beth999901]

I have stopped purchasing skin care products unless I am completely out or very low. I used to consistently buy new ones that I wanted to try and it was such a waste having so many products that I never use. It's one step forward of me spending less.

[@katfangtastic1420]

I love your raw honesty, thanks for sharing your financial growth story Ingrid! I started watching your videos in the early haul and vlog days, and I really enjoyed the fun content - but it's wonderful following you now on your intentional and more sustainable journey 💜. I've also woken up to the realities of over-consuming and wasting money in the last few years, and I've had to spend SO many hours decluttering all the crap I've accumulated. I feel so much better and lighter with a more intentional approach to spending - and making extra payments on my mortgage. Have a lovely weekend! 😊

[@christinenguyen7922]

I think this video is SO refreshing. Thank you for being so honest, candid and real about your financial story.

[@smiles146]

I went from 9 years of being paid bi-monthly to moving from a small town to a big city in a different state. I had 15k saved and spent 8k in 7 months while getting used to my surroundings and taking a break from finding another job, I started that new job last November being paid weekly and I found it incredibly difficult not to spend my paycheck before the next payday (without using a budget, of course) until recently rediscovering my budget and accounting for the reasons I spent what I spent. Depression and Anxiety kicked my ass for the last year with spending habits (no debt, just not saving) and now I’m starting to come out of it. Hopefully by the end of 2020 I’ll be back where I started in May 2018.

[@silliepixie]

Watching the Financial Diet has really helped to keep me thinking about my money habits. Getting more comfortable with talking about money is great for everyone. Thank you for sharing your experiences!

[@thatsmahlon]

Love this video, Ingrid. So many of us are on these financial journeys and yet we feel so alone or embarrassed by it. I’ve recently started making an effort to bring my lunches with me to work. I love grabbing a salad on my break, but the expense was really adding up!! I now treat myself to ONE meal out per work week, which makes my little splurge more fulfilling than it used to be.

[@emiliamosher9619]

I've always wondered about those haul videos and if KZbinrs really enjoyed showing all those expensive things off. Thanks for your honesty, vulnerability and openness with your financial journey, I am loving that this is becoming a "trendy" thing to talk about on KZbin! It's been an eye opening experience.

[@zcream2uedgar]

Something new I want to try is that every time I’m about to buy something I ask myself if buying that will help me in some way get closer to achieve what I want In life.

[@thebeautyfreelancer8249]

This video shares a very powerful message and I hope it can help those who struggle with compulsory shopping. Personally, I also have been through some sort of 'spending sprees' when I was younger, fortunately, though I found my way out of it before it was too late and now I am much more aware of how important it is to save money in the long-term. I still buy makeup and nice things, having clear in mind my budget of course, but I've become more thoughtful and always ask myself 'do I REALLY need this thing in my life? Am I going to use this item?'. Especially when I buy makeup - the beauty industry/community lately has become a whirlwind of new launches and we are constantly surrounded by NEW things - I do my best to not be influenced too much by KZbinrs and socialites in general, mostly because I know I can't afford all of those luxury items or to buy each single collection available and I don't want to regret my purchases.

[@ugbaadkeynan7459]

This is such a great video! I work as a financial coach and a lot of the things you talked about are things I work with my clients on. Congrats on all your hard work on this money journey! One shift I’ve made is to take time each week to reflect and plan with my money.

[@vhffvjmjvddf3050]

My recent obsession for lemon doughnuts helped me realize small treats are worth it, as long as you enjoy the quest. The longer it lasts, the more enjoyable it becomes. 🍋 🍩

[@besuebe]

The questions that spoke most to me were: "Do I need it?" "Why is this the moment?" "How is this investing in my well-being?" I found myself making impulse buys when I started having my own income, I would buy things that would make me "look" powerful/happy/put together to others. Yet, I would always feel a pit in my stomach after the purchases and eventually end up giving them away. It was always fleeting and then I would think, "If only I had all that money now." I want to invest in experiences more. As of now, I have no savings; so, I want to start saving money. I don't make enough to save a lot but even a little would be better than nothing. I'm also thinking of investing, its foreign to me but I think if done knowledgeably it could be great. Great video, I think this topic isn't talked about enough and it certainly made me think about my own financial upbringing and how I want to move forward with my own spending.

[@Katalb7]

Great video 👏 I would like to add that a great way to spend money in a kind of thoughtful way for me is when I buy something on a trip I am at. Something which always remembers you on the great time you had there. It can be anything. For example I bought twice a perfume on trips and everytime I wear it it remembers me on this place. Another one: I bought a great cashmere scarf/blanket in Edinburgh because it is something traditional there. I absolutely love to wear it every time it gets cold. Point is the puchases have a double meaning 🥰

[@socialmedia1950]

This was amazing. I had a similar upbringing and I experienced, and probably still do, the starry-eyed excitement that comes with new purchases. I can't express just how much I needed to hear this, especially now as I am making more money and finding myself in a position to afford stuff. And there's always the thought, 'I never would have had this growing up, I should buy it.' Understanding the why is something I hope to start practising, as well as asking myself those three questions. Thank you. Thank you. Thank you.

[@hartleymiller4546]

One of the things I've started doing recently is setting a budget for myself of the amount of money I want to spend each month outside of my regular expenses/essentials and then keeping a note book of each purchase and subtracting that purchase from the total amount available. It helps me prioritize what things I actually REALLY want to send money on.

[@laurenadcock5307]

I have been binge watching The Graham Stephan show and learning about finance for really the first time. I'm so glad your video was recommended. Can't wait to listen to the podcast!

[@nick.p.crawford]

Yessss! This was so valuable! Please do more videos on finances!!

[@Fashionmeetsmakeup]

These are such great tips Ingrid! Thank you for being so open about your past. I think so many of us felt similar when it came to hauls. I’ve definitely changed my purchasing habits over the last few years and it is helped so much. I’m more selective and think about if I have similar items, how will I use it and how often I will actually use it before I even consider buying things. I feel overall now that the things I purchase I’m a lot happier with because of this. It’s no longer about the rush of buying something but now about truly enjoying the items.

[@annemarieegan]

Thank you for this honest video.

[@BradCoopTof]

🙌🏽🙌🏽🙌🏽🙌🏽 my parents were both in finance, both retired early. They have always talked to my siblings and I about how we spend our money and overall spending habits among Americans. My parents are immigrants and were paid lower than their coworkers despite their overqualification (my dad has his JD as well as a background in international finance) but saving got them through everything, as a kid I didn’t understand that. I spent their money like it was my own, I went to design school out of state after getting my BA in business because I thought people would like me more and make me more relatable to my neighbors. It was just a waste of tuition and rent money. $75k mistake I made that my parents kept warning me about. When I got older and earned my first salary, I moved in with my parents so that I could give them rent money because I felt so guilty about the rent they paid while I was in design school. Now that I’ve moved out, I try to pay whenever I can for their items. But my parents say the best way of me repaying them is to just keep saving so that I don’t ever get burdened by debt. Financial knowledge is so important! I really wish I listened to my parents when I was younger and didn’t succumb to social pressure to do something more lofty with my life.

[@allyadamek6150]

I loved this video! I’m graduating & just got my first full time job with a huge pay raise. No one has ever talked to me about money, long term saving, etc! I’m having to learn it all myself

[@acflnnr]

Understanding your money can also help you feel "richer" than you think. For me transitioning from a student budget to a real salary left me feeling strapped for cash all the time, which was stressful. After having my partner organize my cashflow, I realized it wasn't that I didn't have money, it's that it wasn't flowing optimally in and out of my account. Having a budget and better systems to organize my finances took a huge stress off my shoulders. I think there's a lot of pressure for a person to understand everything about their money, which makes it intimidating. Sometimes, you just need help and to understand your money. That can lead to empowerment and more joy.

[@librarianfanmail]

When I first graduated from university and got my "real adult" job, I went through a phase where I needed office clothes, things for my apartment, and so on. It was the first time in years since being a student on limited income, and so it started a spiral of thoughtless spending, always buying new clothes, not really thinking about whether I really needed something. It was after I went on a vacation to the UK and did a lot of shopping that ended up on my credit card that I woke up a bit - I didn't regret my purchases or experiences in London, but I decided to see if I could get through the rest of that year (July to December) without making any new clothing or non-essential purchases. It was such an interesting challenge and caused me to re-evaluate my relationship to my clothes, and also started a bigger trend in me to look to second hand or ethical clothing brands first, before fast-fashion. It's still a process but I'm enjoying it, and my purchases are much more intentional now, which I value a lot. Thanks for this video, it's definitely something more people should feel comfortable talking about!

[@blackbarbei7429]

Thank you SO MUCH for this video ❤️ This IS very important and powerful for me!! I am in my 30s and I still have issues with money. But I am making small steps to saving more and will continue to do so! I have DEF felt the pressures of keeping up but that will have to change! I sooo appreciate the time you took to share this valuable info! THANK YOU 💜

[@sweetness371]

I bought sooo many things I couldn't really afford because of your haul videos and your old videos in general. I'm so glad we've both grown and changed!

[@unigirl123]

About 2 years ago, I started listening to money/personal finance podcast and it was life changing. I started to save more, spend less and work towards my goal of financial independence. I just finished the book "Quit like a millionaire" by Kristy Shen and it really opens my eyes as to how soon I can retire.

[@katen9758]

Liked even before watching! Just by observing the changes in your content, I can tell what this is going to be about. So excited for you to FINALLY make this video. 🙏

[@deactivated-78936]

This video is something I really needed. No one ever talks about this! I am finally in a place in my life where I can start saving money, but I am prone to impulse purchases and I'm in a little bit of debt right now. I am so glad to hear that you also struggled with this and that fixing it is possible!!

[@lovelylamb14]

i, for one, quit spending money on unnecessary makeup!!! i hit rouge in 2018 and was absolutely disgusted with myself. and it was a pointless perk anyway! i don’t know if i even qualify for the middle tier this year. i’m very proud of myself for this. instead, i started a small fund for travel! i have always made sure i covered my basic bills before anything. but next year, i want to drastically pay off debts i’ve been accumulating. and focus on paying off my car and my student loan. i know it would make me so happy in the long run! thanks ingrid for being so thoughtful and sharing this subject. i needed it.

[@Mtvgurl123]

She’s holding my entire savings account in her hands in the thumbnail

[@70spoem]

skskskksks same

[@Zoopylicious]

You are amazing and you are inspiring me since the beginning! Love from Italy :) I started on January my own youtube challenge where I share about my life and what I do to stay and feel healthy and good in general! Money is a big topic and we should try to buy things that can make us happy on the long run

[@ilovejewelyn]

Thank you for this! As a content creator that does daily uploads... I also do haul videos but most of my purchases either pay for itself or it makes me money. So it’s hard to find a balance making content, buying things to share in a haul video and when to say no save your money.

[@irenevv6958]

I always like the honest videos, makes me feel that we are actually discussing together....had the same issues in my early 20s...

[@esrajp]

What works for me is telling myself ''Yes this a very beautiful thing. It could still be beautiful and stay where it is. Why does it have to be yours?''

[@ShreyaKaranDoctor]

I was subscribed to you almost 5years ago then I unsubscribed...as you very not as relatable...but I love your contents now...it is always so meaningful and thought provoking. Loads of love.

[@AyeshaRameez]

Thank you for this video. I coukd relate to everything u mentioned. I remember watching your hauls and feeling justified in spending the same way. I'm glad you are honest and have a different perspective

[@collagecult]

One of my biggest regrets was spending all my bat mitzvah money, and especially that my parents didn’t force me to put the money away and save it. Because now that I’m in my 20’s, $2,000+ would’ve really helped, going towards a car or something practical and important. I specifically remember going on a $300 shopping spree ASAP and no 13-year old should be spending that much money. Ultimately, you’ll never regret saving money.

[@Clairelaferret]

Thank you for being so beautifully honest about your history of spending habits. I'm on the same journey and this resonated a lot with me.

[@thena1915]

I love this type of content. I can relate it. I'm one of your many old subscribers and I used to buy makeup I didn't ever use. I felt so bad because I didn't (and don't) have much money, but I spent it on things that were necessary or I never used. Thank you very much for sharing your experiences with us :)

[@blbrz8]

Omg I feel the same way! I have changed too. I used to buy a bunch of unnecessary things that wouldn’t last and now I am really intentional about what I spend.

[@graceyoung6552]

I really enjoyed this video and think this shift in thinking could help my spending habits. I am in the habit of making sure essentials come first, however I find myself spending money on extra things because I have the money. I too grew up with a mother who was the major breadwinner for the family and working her ass off to take care of me, and utilizing her to financially bail me out when I got too crazy with my spending. I almost wish there were times when she said NO because I might have learned some hard valuable lessons earlier in life. But, I also of the believe these habits are hard to break because I feel addicted to the joy and essentially rush I feel when I purchase something new whether it be makeup, skincare, clothing, accessories etc. Then I find myself longing to travel outside the US, but not having the money to do this because I guiltily spent it all on random unnecessary crap. I recently did I start shifting what I buy to quality, longer lasting items but I still find myself living pay check to pay check just because I can. Thank you for making this video. I’m going to definitely use your three strategies to help cut my spending and finally start saving some money.

[@beamaria4273]

wow. i haven't thought about this but I'm young Ingrid right now. this is a real eye opener! thank you ingrid for this video!!! i will go through my finances and spending habits right now!

[@Keepinitreal55]

My first job out of college in the medical field in the Bay Area I started making an almost 6 figure income right away. For someone who hadn’t worked before, i felt like a baller. I started buying so much unnecessary sh*t that now even years and years later I’m having a hard time getting rid of without just donating it all. such a mistake, but I feel like it was needed to go through that growing up stage. have to get it out of our system so to speak!

[@jenn31090]

I just did that "I need this" and "I want this" on my shopping yesterday. This was very insightful especially now that we are literally being influenced to buy or want things that we don't really need.

[@hollywisniewski7576]

Bowkie this sounds like something I need to do.

[@AndieGiribaldi]

Hello Ingrid! Thanks for making this video. Money is a topic that touches me personally and my story is very similar to yours. I feel that today I'm such a responsible person regarding my income. I can save money to meet my goals while buying things that I like in a sustainable way. For next year I'd like to focus on my eating habits. I want to incorporate more vegetables and less meat, and search for healthier options when I eat outside. I would find it super interesting if you can make a video talking about your relationship with food, and what changes you made in recent years.

[@LadyShihita]

I'VE ALWAYS BEEN WONDERING HOW ALL THOSE BLOGGERS CAN AFFORD ALL THE THINGS. It's not just the constant shopping for make-up and clothing, but also how often these people eat out etc. As a person who always thinks a lot before every purchase it's interesting to think about this. I was always like "I don't have the money to get that channel product", even when I had over 2000 bucks on my bank account. Still didn't feel like I had any money to spend. Now I know that a blogger, who is buying that stuff, doesn't necessarily have more money than me, they just have a different perspective on spending/saving money.

[@abbyanna7276]

My shift: I’ve never been a HUGE spender, but I would spend my money on things that later I would think; why did I buy this?? NOW I try and incorporate a more minimalist approach in my spending habits, and I will think about things that will improve my space, Long term, while also setting budgets to make sure that I’m not over spending, and saving toward bigger things, like experiences, and travel!

[@CalipsoCerulian]

Your videos are so inspiring. I started watching in high school and you really became a part of my daily life. I have now started working on my channel full time and I Thank you for encouraging others to follow their passion.

[@Stephanie-ki5oz]

So authentic and real! Thank you for this!

[@stacybyrd-everett4533]

It’s been such a joy to watch your content switch from the “beauty world” to just realize life!

[@xoangievergara]

My family and my bf family started doing Secret Santa (we choose a name out of a hat during thanksgiving dinner) where I have a name of a family member from my family and his; so there's no need to stress about the other 22 people that would've been on the list. It's honestly the best decision we've done collectively because we don't stress and actualy get to enjoy the holiday spirit.

[@ceciliascorner3935]

If I could shout it from the rooftop: loan amortization table Changed my whole quality of life when I understood that my hard earned money was going into someone else’s pockets due to interest rates and debts.

[@KapeeshCIndy]

Being a long-time viewer, I never would have known you were dealing with these financial burdens when you were. I’m currently going through that part of my life right now, so this video is something that makes me hopeful as well as aware that I need to find a job that will pay me a sustainable income

[@luvitrbs]

These videos lately and the podcast are the reason why i am watching you again. About 2 years ago i stopped watching your videos because they did not align with my values, i felt like they promoted a too consumeristic lifestyle for my liking, even though that was probably not your intention. So now im back! Hi! It feels kinda weird how we change and our paths meet again.

[@airemay]

I decided a few years ago to buy mostly used clothing, instead of everything new. Especially if I can get clothes at a thrift store (vs consignment), it's a big money saver.

[@ShroomAndMoss]

Loved this video !! Really interesting and informative, thank you xx